Will having a supercharger increase the rate of my insurance policy?
Since I plan on doing some modification work myself, do I need to let my insurance company know? I am thinking about adding a supercharger to my 1996 Honda Civic. Will it increase the rate of my policy?
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Answered on Jul 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Any time modifications are made to your vehicle, you should report the update to your insurance carrier. Some customizations can be covered by adding an endorsement to your policy, like:
- custom paint jobs
- updated sound systems
- running boards
However, depending on your car insurance company, some modifications are more difficult to insure, like superchargers or NOS systems. These modifications are red flags to companies since they are commonly used for street racing.
If your insurance company does not cover the supercharger, they may let you continue the policy advising that if there is a claim, the supercharger would not be covered for damage.
Or, they may advise going with a carrier that can provide the appropriate coverage.”
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